| 主权项 |
1. A system for generating variable or adjustable quotes for insurance premiums and providing those quotes to a customer applying for insurance coverage, comprising:
(a) a first computer, wherein the first computer further includes a first computerized database, wherein the first computerized database further includes tiered customer profiles, and wherein each customer profile is based on standardized customer characteristics and on certain predetermined insurance agent-specific criteria; (b) a second computer in communication with the first computer, wherein the second computer is used to acquire customer-specific information, wherein the customer-specific information further includes desired insurance policy coverage options, and wherein the customer-specific information is acquired from data entered into a comparative rater application running on the second computer; (c) a first data filter running on the first computer, wherein the first data filter is applied to the acquired customer-specific information, and wherein the first data filter is operative to provide an initial determination of customer desirability; (d) a second data filter running on the first computer, wherein the second data filter is applied to the acquired customer-specific information, and wherein the second data filter is operative to provide an initial determination of customer eligibility; (e) a second computerized database, wherein the second computerized database is resident on or accessible by the first computer, and wherein the second computerized database further includes additional customer-specific information; (f) a first premium quote, wherein the first premium quote is generated on the comparative rater based on the initial determinations of customer desirability and eligibility; (g) at least one algorithm running on the first computer, wherein the at least one algorithm is operative to create a customer-specific profile, wherein the customer-specific profile is derived from the acquired customer-specific information and agent-specific criteria, and wherein the algorithm is further operative to compare the customer-specific profile to the set of tiered customer profiles to further determine customer fit; and (h) an interstitial webpage running on the second computer, wherein the interstitial webpage is viewable by an individual using the comparative rater application, wherein the interstitial webpage is operative to provide subsequent premium quote variations, wherein the subsequent premium quote variations are based on customer fit as determined by the comparison of the customer-specific profile to the set of tiered customer profiles; and wherein the interstitial webpage is further operative to facilitate closing the sale of an insurance policy, wherein the policy premiums for the policy are selected from the subsequent premium quote variations. |
